What Insurance Should A Great Roofing Contractor Have

What Insurance Should A Great Roofing Contractor Have

As a homeowner, you depend on your roof to protect your home and family from outside weather elements such as rain, sunshine, snow, and wind. But when it’s time to have your roof repaired or replaced, you want to be sure you’re working with the right roofing professional. Roofing is one of the riskiest professions and must be handled only by trained, licensed, and insured contractors. Roofers insurance is one great way to protect yourself from costly liabilities that could come your way should something go wrong during a roofing project. 

Why Roofers Insurance is Important

Although it’s true each construction project comes with its own risks, roofing often exposes workers to numerous dangerous conditions. Every roofing contractor should have insurance, especially liability insurance. This protects employees and clients from financial losses in the event of an accident. If a roofer incurs injuries due to a fall or collapsed roof, roofer’s insurance will shield you from any liability claims. There is a possibility for property damage in or around your home, and the insurance will help cover the damages.

Types of Roofer Insurance Coverage

There are two types of insurance your roofer should have:

1. General Liability Coverage

This insurance covers personal injury to clients and other non-employees as well as property damage caused by third parties. Liability insurance will protect you from any property damage caused during a roof replacement or repair. Without this insurance, you’ll be responsible for any damages caused to your property during the roofing project.

2. Workman’s Compensation Coverage

Workman’s compensation insurance will protect the homeowner in the event a roofing contractor’s employee gets injured on the job. By working with a roofing contractor who has this coverage, you can rest assured you’re protected from potential liability claims should someone get injured on your property.

How to Check for a Roofing Contractor License

Other than insurance, you should ensure the roofing contractor is properly licensed. Ask the contractor if they have a roofing contractor license to execute roofing projects in your city/state. You can also verify if their license is up to date and without violations through your local licensing offices.

If you’re looking for a trusted roofing contractor in Jacksonville, FL, look no further than StormForce. We’ve been roofing in Northeast Florida since 2011 and our experience has rewarded us with the Best of the Best national award since 2017. By working with us, you’ll have a fully insured and licensed contractor to guide you through your roof replacement process! Contact us today to begin the conversation with one of our friendly roofing specialists.